Cards by State

The average general purpose credit card outstandings per household, excluding store/gas credit cards, grew a mere 2.5% last year to $6,429. Among the five most populous states, Texas was the only one to come in below the national average. The states with the lowest average bank credit card outstandings per household in the $3,400 range were Mississippi, Kentucky, and North Dakota, according to CardData (www.carddata.com). Idaho and Nevada posted the strongest gains in bank credit card outstandings in 2003, rising 4% and 6%, respectively. The state-by-state breakdown was based on total bank credit card (VISA, MasterCard, Discover, and American Express) outstandings of $677 billion and 105.3 million households at year-end 2003.

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Nearly 30 years ago our founder, Robert B. McKinley, came across an offer for a credit card. After receiving the card which was offered at a much lower rate than the cards from his hometown bank he started following the industry. The company he then founded, CardTrak, has grown to help MILLIONS of consumers find the right card today. Our credit card tabulations, advice, tips, and traps (to avoid) have been featured in just about every news media outlet in this country- Seriously, just Google us.

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